SEPA Instant payments

Access SCT Instant Payments

Real-time payments are rapidly becoming the new normal in Europe. Join the fastest growing instant payment community with SEPA.

Our Connectivity models

Explore our SEPA Instant access models

SEPA Instant 

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Who is it for?

The SEPA Instant service (Instant Credit Transfer) for Direct Settling Participants is available to credit institutions eligible to hold a settlement account with TIPS (Target2 Instant Payments System)

How does it work?

Customers using this access model are provided with direct technical access, through our single stack of API to the SEPA Instant clearing system to exchange messages as a clearing participant. Settlement happens on the participants settlement account with TIPS where our customers manage their own liquidity in this prefunded system

SEPA Instant - Direct Non Settling 

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Who is it for?

The SEPA Instant service (Instant Credit Transfer) for Direct Non Settling Participants (DNSP)is available to regulated financial institutions (credit institutions and other). This Access Model brings the DNSP Participant as close as possible to the clearing system without the need to hold a settlement account at TIPS.

How does it work?

Customers using this access model are provided with the benefits of direct technical access to the SEPA Instant clearing system. In collaboration with one of our partner banks messages are exchanged in such a way that this is experienced as if they were direct participants, same messages and same speed. Settlement happens on a settlement account held with the partner bank where our customers manage their own liquidity with the partner bank.

Sepa Instant - Indirect

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Who is it for?

The SEPA instant service (Instant Credit Transfer) for Indirect Participants is available to regulated financial institutions (credit institutions and other) We collaborate with one of our partner banks that exchanges the messages on behalf of our customers.

How does it work?

Customers using this access model, through our single stack of API, reach one of our partner banks through whom messages are exchanged with the clearing system. Settlement happens on a settlement account with the partner bank.

Deliver the world of SCT Instant payments to your customers

The European payments landscape is moving at pace with the emergence of new technologies, changing regulation and consumer demand. Deliver faster, easier and more efficient payment solutions to your customer.

Fast and efficient

SCT Instant Payments are a fast and efficient way to process euro payments 24 x7/365

Grow quickly

Extend your geographic reach and grow your transactional base

Instant Clearing

Achieve fund clearing in seconds with real-time notifications. Settlement and reconciliation within the same business day

Smooth implementation

A proven track record of successfully implementing Payments-as-a-Service for our customers

Same day remittances

SCT Instant transfers are instant and allow your business to move money when you want

Full suite SEPA

Easily add SEPA Credit Transfer and SEPA Direct Debit as you grow further

Do you want to know more? Please contact us.